Universal Insurance Holdings Inc. (NYSE:UVE) Q4 2017 Earnings Conference Call Transcript

Feb 21, 2018 • 10:00 am ET

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Universal Insurance Holdings Inc. (NYSE:UVE) Q4 2017 Earnings Conference Call Transcript

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Presentation
Operator
Operator

Good day, ladies and gentlemen, and welcome to the Universal Insurance Holdings, Inc. Fourth Quarter 2017 Earnings Conference Call. At this time all participants are in a listen-only mode. Later, we will conduct a question-and-answer session and instructions will be given at that time. (Operator Instructions) As a reminder, this conference call is being recorded.

I would now like to turn the conference over to your host, Vice President of Investor Relations, Mr. Dean Evans. Sir, you may begin.

Executive
Dean Evans

Thank you. Good morning, everyone. Welcome to the fourth quarter 2017 earnings conference call for Universal Insurance Holdings, Inc. My name is Dean Evans and I'm the Vice President of Investor Relations here at Universal. With me in the room today are Chairman and Chief Executive Officer Sean Downes, President and Chief Risk Officer, Jon Springer and Chief Financial Officer, Frank Wilcox.

Following Sean's opening remarks, Jon will provide an update on several important current topics and Frank will review financial results. The call will then be reopened for questions. Yesterday afternoon we issued our earnings press release which is available under the Press Releases section of our website at www.universalinsuranceholdings.com. A replay of this presentation will be available on the homepage of our website until March 8th, 2018. (technical difficulty)

Operator
Operator

(technical difficulty) Good day, ladies and gentlemen, and welcome to the Universal Insurance Holdings, Inc. Fourth Quarter 2017 Earnings Conference Call. At this time, all participants are in a listen-only mode. Later we will conduct a question-and-answer session and instructions will be given at that time. (Operator Instructions) As a reminder, this conference call is being recorded.

I would now like to turn the conference over to your host, Vice President of Investor Relations. Mr. Dean Evans. Sir, you may begin.

Executive
Dean Evans

Thank you. And good morning again, everyone. We do apologize for the inconvenience there. We had a temporary power outage and lost our phone system entirely. But we are back now and I'd like to welcome you again to the fourth quarter earnings conference call for Universal Insurance Holdings, Inc. I again, I'm Dean Evans, Vice President of Investor Relations here at Universal. With me in the room today, Chairman and Chief Executive Officer, Sean Downes; President and Chief Risk Officer, Jon Springer; and Chief Financial Officer, Frank Wilcox.

Following Sean's opening remarks, Jon will provide an update on several important current topics and Frank will review financial results. The call will then be reopened for questions. Yesterday afternoon we issued our press release which is available under the Press Releases section of our website at www.universalinsuranceholdings.com. A replay of this presentation will be available on the homepage of our website until March 8, 2018. Before we begin, please note that, that this presentation may contain forward-looking statements about our business and financial results. Forward-looking statements reflect our current view of future events and are typically associated with words such as believe, expect and anticipate or similar expressions.

We caution those listening, including investors not to rely solely on forward-looking